Compliance risk control methods and systems

Abstract

The present invention provides a compliance risk control method and system, including: step S1: establishing a product-side data model and an asset-side data model; step S2: determining the indicator calculation rules according to regulatory provisions and internal control requirements, and splitting into indicator parameters, pre-configuring the corresponding relationship between the indicator parameters and the characteristic values; step S3: establishing an indicator expression according to the split indicator parameters, and determining the violation threshold and warning threshold of the indicator; step S4: establishing the association between the product and the indicator; step S5: initializing according to the statistical logic of the indicator parameters at the beginning of the day; step S6: judging whether the risk control verification is passed according to the risk control verification result; step S7: based on the established risk control verification model at the end of the day, according to the daytime redis cache data, the efficiency of the post-event risk control batch operation is regulated. The present invention can realize the full process monitoring of the asset management investment business of financial products before, during and after the event.

Description

Technical Field

[0001] The present invention relates to the field of Internet financial technology, and in particular to a compliance risk control method and system. Background Art

[0002] With the enhancement of social residents' financial management awareness, the scale of asset management business has grown rapidly, financial business has become increasingly complex, and the promulgation of various new regulatory rules and internal control requirements often requires changes in risk control rules according to business requirements to adapt to various market risk requirements. The existing compliance risk control system relies on the underlying database table structure, which requires risk control indicator developers to be familiar with business rules and fully understand the database structure design before accurate development can be carried out. The development efficiency is low, and business personnel cannot configure it independently; this architecture design scheme based on the database table structure has low risk control verification execution efficiency and cannot meet the continuous business volume growth and quotation splitting requirements; there may be invalid verification for concurrency; for data that exceeds the risk control standard, due to performance issues, it is impossible to provide specific statistical details and other issues.

[0003] Explanation of special terms: Beginning of the day refers to before the market opens; mid-day refers to daytime trading; end of the day refers to after the market closes. Pre-investment refers to before the investment order is placed; during the investment means that the order has been initiated and is in process; post-investment refers to the completion of the business.

[0004] The invention patent with publication number CN110288462A discloses a risk control system, a risk control method, a computer-readable storage medium and a computing device, including: a risk control scenario configuration module, a risk control model, a data center and a risk control decision engine, wherein the risk control scenario configuration module is used to send a request to the risk control model according to the business scenario provided by the business system to determine whether the corresponding risk control rule already exists; if not, the risk control scenario configuration module responds to the operator's operation to add a corresponding risk control scenario card in its visual configuration interface and add attribute options in the risk control scenario card and configure the risk control rules corresponding to the attribute options, and request to add the rules to the risk control model; the risk control decision engine calls the corresponding risk control rule in the risk control model, obtains the value corresponding to the attribute from the data center according to the attribute of the risk control rule, and forms a risk control decision based on the comparison between the value and the preset value. Summary of the invention

[0005] In view of the deficiencies in the prior art, the present invention provides a compliance risk control method and system.

[0006] According to a compliance risk control method and system provided by the present invention, the scheme is as follows:

[0007] In a first aspect, a compliance risk control method is provided, the method comprising:

[0008] Step S1: Sort out product attributes, asset attributes and transaction attributes according to the verification scenarios and verification rules of existing regulatory indicators, internal control indicators and contract indicators;

[0009] Step S2: According to regulatory requirements and internal control requirements, determine the indicator calculation rules, split them into indicator parameters, and pre-configure the corresponding relationship between indicator parameters and characteristic values;

[0010] Step S3: establishing an indicator expression according to the split indicator parameters, and determining the violation threshold and warning threshold of the indicator;

[0011] Step S4: Establishing the relationship between products and indicators;

[0012] Step S5: Initialize at the beginning of the day according to the statistical logic of the indicator parameters;

[0013] During day trading, the corresponding indicator parameter data is updated according to the characteristic value and balance changes of the transaction, and the position update details are asynchronously stored in the warehouse;

[0014] Calculate the risk control verification result of this transaction based on the indicator range required for verification of the product and the corresponding relationship between the indicator and the indicator parameter;

[0015] Step S6: According to the risk control verification result, determine whether the risk control verification has passed; if the risk control verification has passed, the new position update details;

[0016] Step S7: At the end of the day, based on the established risk control verification model and the daily redis cache data, the efficiency of post-risk control batch running is regulated.

[0017] Preferably, the step S1 further includes:

[0018] Step S1.1: According to existing regulatory requirements and internal control requirements, sort out all product attributes and asset attributes to create a wide table and initialize it into the redis cache database;

[0019] Step S1.2: If there are changes to product and asset attributes, the redis cache data is refreshed synchronously.

[0020] Preferably, step S2 comprises:

[0021] Step S2.1: According to regulatory requirements and internal control requirements, establish the calculation rules of the indicators and split them into indicator parameters. For different indicator parameters, the same statistical content is further split;

[0022] Step S2.2: For the split indicator parameters, determine the relationship between the characteristic value and the specific update value and the transaction according to the statistical logic of the indicator parameters, and establish the corresponding relationship between the characteristic value and the indicator parameter;

[0023] Step S2.3: For relevant attributes including products, assets and transactions, preset underlying parameter interfaces to support personalized parameter configuration for the business.

[0024] Preferably, the step S5 comprises:

[0025] Step S5.1: Initialize and assign values ​​based on basic data according to the statistical logic of indicator parameters at the beginning of the day;

[0026] Step S5.2: For intraday trading, use the transaction feature value to match the risk control items, match all indicator parameters affected by this transaction and update them;

[0027] Step S5.3: According to the transaction products, match the list of all indicators that need to be verified, and then calculate the indicator monitoring value based on the correspondence between the indicator and the parameter, and judge whether the indicator is in violation according to the monitoring threshold set for the indicator, and make corresponding prompts; if the basic data is missing, the prompt will be skipped.

[0028] Preferably, judging whether the indicators are in violation of the regulations and making corresponding prompts in step S5.3 specifically include: calculating the indicator results and summarizing them, and if there is an excess, prompting an excess; if there is no excess and there is a skip, prompting a skip; if everything is normal, prompting a normal.

[0029] In a second aspect, a compliance risk control system is provided, the system comprising:

[0030] Module M1: Sort out product attributes, asset attributes and transaction attributes based on the verification scenarios and verification rules of existing regulatory indicators, internal control indicators and contract indicators;

[0031] Module M2: Determine the indicator calculation rules according to regulatory provisions and internal control requirements, split them into indicator parameters, and pre-configure the corresponding relationship between indicator parameters and characteristic values;

[0032] Module M3: establishing an indicator expression according to the split indicator parameters, and determining the violation threshold and warning threshold of the indicator;

[0033] Module M4: Establish the relationship between products and indicators;

[0034] Module M5: Initialization at the beginning of the day according to the statistical logic of indicator parameters;

[0035] During day trading, the corresponding indicator parameter data is updated according to the characteristic value and balance changes of the transaction, and the position update details are asynchronously stored in the warehouse;

[0036] Calculate the risk control verification result of this transaction based on the indicator range required for verification of the product and the corresponding relationship between the indicator and the indicator parameter;

[0037] Module M6: Based on the risk control verification results, determine whether the risk control verification has passed; if the risk control verification has passed, the new position update details;

[0038] Module M7: At the end of the day, based on the established risk control verification model and the daily redis cache data, the efficiency of post-risk control batch running is regulated.

[0039] Preferably, the module M1 further includes:

[0040] Module M1.1: According to existing regulatory requirements and internal control requirements, sort out all product attributes and asset attributes to create a wide table and initialize it into the redis cache database;

[0041] Module M1.2: If there are changes to product and asset attributes, the redis cache data will be refreshed synchronously.

[0042] Preferably, the module M2 comprises:

[0043] Module M2.1: According to regulatory requirements and internal control requirements, establish the calculation rules of indicators and split them into indicator parameters. For different indicator parameters, the same statistical content is further split;

[0044] Module M2.2: For the split indicator parameters, determine the relationship between the characteristic value and the specific update value and the transaction according to the statistical logic of the indicator parameters, and establish the corresponding relationship between the characteristic value and the indicator parameters;

[0045] Module M2.3: For relevant attributes including products, assets and transactions, preset underlying parameter interfaces are provided to support personalized parameter configuration for businesses.

[0046] Preferably, the module M5 comprises:

[0047] Module M5.1: Initialize and assign values ​​based on basic data according to the statistical logic of indicator parameters at the beginning of the day;

[0048] Module M5.2: Intraday trading, use the transaction feature value to match the risk control items, match all indicator parameters affected by this transaction and update them;

[0049] Module M5.3: According to the products traded, match the list of all indicators that need to be verified, then calculate the indicator monitoring value based on the correspondence between the indicator and the parameter, and judge whether the indicator is in violation according to the monitoring threshold set for the indicator, and make corresponding prompts; if basic data is missing, prompt to skip.

[0050] Preferably, judging whether the indicators are in violation of the regulations and making corresponding prompts in the module M5.3 specifically include: calculating the indicator results and summarizing them, and if there is an excess, prompting an excess; if there is no excess and there is a skip, prompting a skip; if everything is normal, prompting a normal.

[0051] Compared with the prior art, the present invention has the following beneficial effects:

[0052] By adopting a risk control verification method based on the redis cache database, the real-time requirements of different business types can be met, and the full-process monitoring of the asset management investment business of financial products can be achieved before, during and after the event. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] Other features, objects and advantages of the present invention will become more apparent from the detailed description of non-limiting embodiments made with reference to the following drawings:

[0054] Figure 1 It is a schematic diagram of the overall process of the present invention. DETAILED DESCRIPTION

[0055] The present invention is described in detail below in conjunction with specific embodiments. The following embodiments will help those skilled in the art to further understand the present invention, but are not intended to limit the present invention in any form. It should be noted that, for those of ordinary skill in the art, several changes and improvements can also be made without departing from the concept of the present invention. These all belong to the protection scope of the present invention.

[0056] The embodiment of the present invention provides a compliance risk control method, referring to Figure 1 As shown, the method specifically includes:

[0057] Step S1: Based on the verification scenarios and verification rules of the existing regulatory indicators, internal control indicators, and contract indicators, sort out all product attributes, asset attributes, and transaction attributes that have been used and may be used in the future, and establish product-side data models and asset-side data models.

[0058] The step S1 specifically includes:

[0059] Step S1.1: Since risk control involves many data sources, according to existing regulatory provisions and internal control requirements, all product attributes and asset attributes are sorted out to establish a wide table, and initialized into the redis cache database. Since the redis distributed cache database has efficient query and operation performance, using the redis cache database instead of the traditional Oracle database can greatly improve computing efficiency.

[0060] Step S1.2: If there are changes to product and asset attributes, the redis cache data is refreshed synchronously.

[0061] Step S2: According to the guidance opinions, supervision and management methods, implementation rules, notices and other regulatory provisions of the People's Bank of China, the National Development and Reform Commission, the China Banking and Insurance Regulatory Commission, and the China Securities Regulatory Commission, such as the identification rules for non-standardized assets, restrictions on the liquidity ratio of wealth management products, restrictions on the duration of product investment asset portfolios and other regulatory provisions and internal investment requirements set by financial institutions, such as restrictions on asset investment concentration, investment concentration of a single institution to diversify investment risks, and internal control requirements such as not investing in real estate and other potential risks of illegal market entry, determine the indicator calculation rules, split them into indicator parameters, and pre-configure the correspondence between indicator parameters and characteristic values.

[0062] The step S2 specifically includes:

[0063] Step S2.1: According to regulatory requirements and internal control requirements, establish calculation rules for indicators and split them into indicator parameters. For different indicator parameters, the same statistical content is further split.

[0064] Step S2.2: For the split indicator parameters, determine the relationship between the characteristic value and the specific update value and the transaction according to the statistical logic of the indicator parameters. The characteristic value refers to the product attribute, asset attribute, transaction type, etc. of the transaction, and establish the corresponding relationship between the characteristic value and the indicator parameter.

[0065] Step S2.3: For the attributes of products, assets, transactions, etc. that may be used later, preset the underlying parameter interface. For example, the transaction amount is divided into the total full price and the total net price to support personalized parameter configuration of the business.

[0066] Step S3: According to the split indicator parameters, establish an indicator expression, and determine the violation threshold and warning threshold of the indicator. The violation threshold is obtained according to regulatory requirements or internal control requirements. During risk control verification, if the result of the indicator calculation exceeds the violation threshold, a violation is prompted; if the violation threshold is not reached within the normal range, a warning threshold is set. If the violation threshold is not reached but the warning threshold is exceeded, a warning prompt is issued (for example, Article 18 of the "Regulations on Liquidity Risk Management of Wealth Management Products of Wealth Management Companies" (China Banking and Insurance Regulatory Commission Order No. 14

[2021] ): "The market value of a single open-end public wealth management product and a private wealth management product open on each trading day directly invested in liquidity-restricted assets shall not exceed 15% of the net asset value of the product on the opening day." We set the violation threshold to ≥15% and the warning threshold to ≥13%).

[0067] Step S4: Establish the association relationship between products and indicators.

[0068] Step S5: Initialize at the beginning of the day according to the statistical logic of the indicator parameters; during mid-day trading, update the corresponding indicator parameter data according to the characteristic values ​​of the transaction and the balance changes, and asynchronously store the position update details; calculate the risk control verification result of this transaction based on the indicator range required for verification of the product and the corresponding relationship between the indicator and the indicator parameter.

[0069] The step S5 specifically includes:

[0070] Step S5.1: Initialize and assign values ​​based on basic data according to the statistical logic of indicator parameters at the beginning of the day.

[0071] Step S5.2: For day-to-day transactions, use transaction feature values ​​including the product-side data model corresponding to the products used in the transaction, the asset-side data model corresponding to the assets used in the transaction, and transaction attributes such as transaction direction, business type, etc. to match risk control items, match all indicator parameters affected by this transaction and update them.

[0072] Step S5.3: According to the transaction products, match the list of all indicators that need to be verified, and then calculate the indicator monitoring value based on the correspondence between the indicator and the parameter, and judge whether the indicator is in violation according to the monitoring threshold set for the indicator, and make corresponding prompts; if the basic data is missing, the prompt will be skipped.

[0073] Determine whether the indicators are in violation of regulations and make corresponding prompts, including: calculating the indicator results and summarizing them. If there is an excess, a prompt of excess will be given; if there is no excess but there is a skip, a prompt of skip will be given; if everything is normal, a prompt of normal will be given.

[0074] Step S6: According to the risk control verification result, determine whether the risk control verification has passed; if the risk control verification has passed, add new position update details. Since the daily business volume data is large, a large amount of position update data will be generated at the same time. The use of distributed message queues can achieve decoupling from transaction data and realize fast asynchronous warehousing. It can realize the recovery of position data at any time point, and then the statistical detailed data of each parameter at any time point can be queried.

[0075] Step S7: At the end of the day, based on the established risk control verification model and the daily redis cache data, the efficiency of post-risk control batch running is regulated.

[0076] The present invention also provides a compliance risk control system, which specifically includes:

[0077] Module M1: Sort out product attributes, asset attributes and transaction attributes based on the verification scenarios and verification rules of existing regulatory indicators, internal control indicators and contract indicators.

[0078] Module M2: Determine the indicator calculation rules according to regulatory provisions and internal control requirements, split them into indicator parameters, and pre-configure the correspondence between indicator parameters and characteristic values.

[0079] Module M3: Establish an indicator expression based on the split indicator parameters, and determine the violation threshold and warning threshold of the indicator.

[0080] Module M4: Establish the relationship between products and indicators.

[0081] Module M5: Initialize at the beginning of the day according to the statistical logic of the indicator parameters. During the day, according to the characteristic value of the transaction and the balance change, update the corresponding indicator parameter data, and asynchronously store the position update details; calculate the risk control verification result of this transaction according to the indicator range required for the product verification and the corresponding relationship between the indicator and the indicator parameter.

[0082] Module M6: According to the risk control verification results, determine whether the risk control verification has passed; if the risk control verification has passed, the position update details are added. Due to the large amount of business data during the day, a large amount of position update data will be generated at the same time. The use of distributed message queues can be decoupled from transaction data and realize fast asynchronous warehousing. It can restore position data at any point in time, and then query the statistical details of each parameter at any point in time.

[0083] Module M7: At the end of the day, based on the established risk control verification model and the daily redis cache data, the efficiency of post-risk control batch running is adjusted.

[0084] Specifically, module M1 includes:

[0085] Module M1.1: According to existing regulatory provisions and internal control requirements, sort out all product attributes and asset attributes to create a wide table and initialize it into the redis cache database.

[0086] Module M1.2: If there are changes to product and asset attributes, the redis cache data will be refreshed synchronously.

[0087] Module M2 includes:

[0088] Module M2.1: According to regulatory provisions and internal control requirements, establish calculation rules for indicators and split them into indicator parameters. For different indicator parameters, the same statistical content is further split.

[0089] Module M2.2: For the split indicator parameters, determine the relationship between the characteristic value and the specific update value and the transaction according to the statistical logic of the indicator parameters, and establish the corresponding relationship between the characteristic value and the indicator parameters.

[0090] Module M2.3: For relevant attributes including products, assets and transactions, preset underlying parameter interfaces are provided to support personalized parameter configuration for businesses.

[0091] Module M5 includes:

[0092] Module M5.1: Initialize and assign values ​​based on basic data according to the statistical logic of indicator parameters at the beginning of the day.

[0093] Module M5.2: Intraday trading, use transaction feature values ​​to match risk control items, match all indicator parameters affected by this transaction and update them.

[0094] Module M5.3: According to the products traded, match the list of all indicators that need to be verified, then calculate the indicator monitoring value based on the correspondence between the indicator and the parameter, and judge whether the indicator is in violation according to the monitoring threshold set for the indicator, and make corresponding prompts; if basic data is missing, prompt to skip.

[0095] Module M5.3 determines whether the indicators are in violation of regulations and gives corresponding prompts, including: calculating the indicator results and summarizing them. If there is an excess, a prompt of excess is given; if there is no excess but there is a skip, a prompt of skip is given; if everything is normal, a prompt of normal is given.

[0096] The embodiment of the present invention provides a compliance risk control method and system, which uses the asset-side and product-side data interfaces designed by the risk control model to reduce data association. Predefine product package information to quickly establish the association relationship between products and indicators. Use the initialization statistical logic to preprocess data at the beginning of the day, calculate the latest parameter results according to the balance change in the middle of the day, and use redis's efficient query and operation performance to meet the real-time requirements of different business types. Use redis transaction locks to serially execute risk control parameter updates to avoid invalid risk control checks caused by concurrency. At the same time, position update details are asynchronously stored in the warehouse to provide risk control statistical details, which is convenient for quickly locating problems. Sort out the underlying parameters and provide parameter interfaces for different business types to facilitate personalized parameter configuration for the business and quickly respond to market risk requirements. At the end of the day, based on the established risk control model, use redis to cache data to improve the efficiency of post-event risk control batch running. Realize the full process monitoring of the asset management investment business of financial products before, during and after the event.

[0097] By adopting a risk control verification method based on the redis cache database, the real-time requirements of different business types can be met, and the full-process monitoring of the asset management investment business of financial products can be achieved before, during and after the event.

[0098] Those skilled in the art know that, in addition to realizing the system and its various devices, modules, and units provided by the present invention in a purely computer-readable program code, it is entirely possible to realize the same functions in the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, the system and its various devices, modules, and units provided by the present invention can be considered as a hardware component, and the devices, modules, and units included therein for realizing various functions can also be regarded as structures within the hardware component; the devices, modules, and units for realizing various functions can also be regarded as both software modules for realizing the method and structures within the hardware component.

[0099] The above describes the specific embodiments of the present invention. It should be understood that the present invention is not limited to the above specific embodiments, and those skilled in the art can make various changes or modifications within the scope of the claims, which does not affect the essence of the present invention. In the absence of conflict, the embodiments of the present application and the features in the embodiments can be combined with each other arbitrarily.

Claims

1. A compliance risk control method, characterized in that: include: Step S1: Sort out product attributes, asset attributes and transaction attributes according to the verification scenarios and verification rules of existing regulatory indicators, internal control indicators and contract indicators; Step S2: According to regulatory requirements and internal control requirements, determine the indicator calculation rules, split them into indicator parameters, and pre-configure the corresponding relationship between indicator parameters and characteristic values; Step S3: establishing an indicator expression according to the split indicator parameters, and determining the violation threshold and warning threshold of the indicator; Step S4: Establishing the relationship between products and indicators; Step S5: Initialize at the beginning of the day according to the statistical logic of the indicator parameters; During day trading, the corresponding indicator parameter data is updated according to the characteristic value and balance changes of the transaction, and the position update details are asynchronously stored in the warehouse; Calculate the risk control verification result of this transaction based on the indicator range required for verification of the product and the corresponding relationship between the indicator and the indicator parameter; Step S6: According to the risk control verification result, determine whether the risk control verification has passed; if the risk control verification has passed, the new position update details; Step S7: At the end of the day, based on the established risk control verification model and the daily redis cache data, the efficiency of post-event risk control batch running is regulated; The step S5 comprises: Step S5.1: Initialize and assign values ​​based on basic data according to the statistical logic of indicator parameters at the beginning of the day; Step S5.2: For intraday trading, use the transaction feature value to match the risk control items, match all indicator parameters affected by this transaction and update them; Step S5.3: According to the transaction products, match all the indicator lists that need to be verified, then calculate the indicator monitoring value based on the corresponding relationship between the indicator and the parameter, and judge whether the indicator is in violation according to the monitoring threshold set for the indicator, and make corresponding prompts; if the basic data is missing, prompt to skip; In the step S5.3, judging whether the indicators are in violation and making corresponding prompts specifically include: calculating the indicator results and summarizing them. If there is an excess, a prompt of excess is given; if there is no excess but there is a skip, a prompt of skip is given; if everything is normal, a prompt of normal is given.

2. The compliance risk control method according to claim 1, characterized in that: The step S1 further comprises: Step S1.1: According to existing regulatory requirements and internal control requirements, sort out all product attributes and asset attributes to create a wide table and initialize it into the redis cache database; Step S1.2: If there are changes to product and asset attributes, the redis cache data is refreshed synchronously.

3. The compliance risk control method according to claim 1, characterized in that: The step S2 comprises: Step S2.1: According to regulatory requirements and internal control requirements, establish the calculation rules of the indicators and split them into indicator parameters. For different indicator parameters, the same statistical content is further split; Step S2.2: For the split indicator parameters, determine the relationship between the characteristic value and the specific update value and the transaction according to the statistical logic of the indicator parameters, and establish the corresponding relationship between the characteristic value and the indicator parameter; Step S2.3: For relevant attributes including products, assets and transactions, preset underlying parameter interfaces to support personalized parameter configuration for the business.

4. A compliance risk control system, characterized in that: include: Module M1: Sort out product attributes, asset attributes and transaction attributes based on the verification scenarios and verification rules of existing regulatory indicators, internal control indicators and contract indicators; Module M2: Determine the indicator calculation rules according to regulatory provisions and internal control requirements, split them into indicator parameters, and pre-configure the corresponding relationship between indicator parameters and characteristic values; Module M3: establishing an indicator expression according to the split indicator parameters, and determining the violation threshold and warning threshold of the indicator; Module M4: Establish the relationship between products and indicators; Module M5: Initialization at the beginning of the day according to the statistical logic of indicator parameters; During day trading, the corresponding indicator parameter data is updated according to the characteristic value and balance changes of the transaction, and the position update details are asynchronously stored in the warehouse; Calculate the risk control verification result of this transaction based on the indicator range required for verification of the product and the corresponding relationship between the indicator and the indicator parameter; Module M6: Based on the risk control verification results, determine whether the risk control verification has passed; if the risk control verification has passed, the new position update details; Module M7: At the end of each day, based on the established risk control verification model and the daily redis cache data, the efficiency of post-event risk control batch running is regulated; The module M5 comprises: Module M5.1: Initialize and assign values ​​based on basic data according to the statistical logic of indicator parameters at the beginning of the day; Module M5.2: Intraday trading, use the transaction feature value to match the risk control items, match all indicator parameters affected by this transaction and update them; Module M5.3: According to the transaction products, match all the indicator lists that need to be verified, then calculate the indicator monitoring value based on the corresponding relationship between the indicator and the parameter, and judge whether the indicator is in violation according to the monitoring threshold set by the indicator, and make corresponding prompts; if the basic data is missing, it will prompt to skip; The module M5.3 determines whether the indicators are in violation and gives corresponding prompts, specifically including: calculating the indicator results and summarizing them. If there is an excess, a prompt of excess is given; if there is no excess but there is a skip, a prompt of skip is given; if everything is normal, a prompt of normal is given.

5. The compliance risk control system according to claim 4, characterized in that: The module M1 also includes: Module M1.1: According to existing regulatory requirements and internal control requirements, sort out all product attributes and asset attributes to create a wide table and initialize it into the redis cache database; Module M1.2: If there are changes to product and asset attributes, the redis cache data will be refreshed synchronously.

6. The compliance risk control system according to claim 4, characterized in that: The module M2 comprises: Module M2.1: According to regulatory requirements and internal control requirements, establish the calculation rules of indicators and split them into indicator parameters. For different indicator parameters, the same statistical content is further split; Module M2.2: For the split indicator parameters, determine the relationship between the characteristic value and the specific update value and the transaction according to the statistical logic of the indicator parameters, and establish the corresponding relationship between the characteristic value and the indicator parameters; Module M2.3: For relevant attributes including products, assets and transactions, preset underlying parameter interfaces are provided to support personalized parameter configuration for businesses.

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